NHIS: Insurance Coverage Held Steady Overall in 2017, but Key Income Groups Saw Changes
June 04, 2018:
The National Center for Health Statistics (NCHS) released health insurance coverage estimates for 2017 from the National Health Interview Survey (NHIS) as part of the NHIS Early Release Program. These are the first available full-year coverage estimates for 2017 from a federal survey, with estimates available for the nation and 18 states.
Insurance Coverage Remained Stable Overall in 2017
Rates of insurance coverage remained statistically unchanged between 2016 and 2017 nationwide and in the 18 states for which NCHS released estimates among most populations by age, sex, race/ethnicity, Marketplace Type, Medicaid-expansion Status, and region (Figure 1). There were, however, significant changes in rates of insurance coverage among non-elderly adults by income level in 2017.
Health Insurance Coverage by Income
Increase in uninsurance and decrease in private coverage among those 250-400% FPL
Between 2016 and 2017, the rate of uninsurance increased from 10.1% to 12.6% among non-elderly adults (ages 18-64) with incomes between 250% and 400% of the federal poverty level (FPL). This change was statistically significant. This increase in uninsurance was coupled with a statistically significant decrease in private coverage from 78.2% in 2016 to 75.5% in 2017 among the same group (Figure 2).
Eligibility for premium tax credits insulate individuals in this income range from premium increases, so the observed increase in uninsurance and decrease in private coverage among this group suggests that some may have left the individual market in response to other factors such as uncertainty surrounding the status of the ACA, available premium subsidies, and the individual coverage mandate.
This hypothesis is supported by the lack of any statistically significant changes in private coverage among non-elderly adults with incomes too high to be eligible for premium tax credits (>400% FPL) and among non-elderly adults with incomes that make them eligible for cost-sharing subsidies and more generous premium tax credits (100%-250% FPL). Additionally, there was a small but statistically significant decrease in private health insurance coverage purchased through the ACA Health Insurance Marketplaces among non-elderly adults with incomes 200% FPL or higher (4.3% in 2016 to 3.8% in 2017).
Increase in private coverage, decrease in public coverage for those below 100% FPL
Between 2016 and 2017, the rate of private coverage increased from 21.6% to 26.5% among non-elderly adults with incomes below 100% FPL. This change was statistically significant. This increase in private coverage was coupled with a statistically significant decrease in public coverage from 53.7% in 2016 to 50.2% in 2017 (Figure 3). There was no statistically significant change in the uninsurance rate or in rates of private health insurance coverage purchased through the ACA Health Insurance Marketplaces among this group between 2016 and 2017. This evidence points to an increase in private coverage from sources other than the ACA Marketplaces and a corresponding decrease in public coverage (i.e., Medicaid).
We will continue to monitor changes in insurance coveraged among these and other income groups as more detailed 2017 data becomes available later this year.
About the Numbers
The above estimates provide a point-in-time measure of uninsurance, indicating the percent of persons without coverage at the time of the interview.
The sample size of the NHIS fell from 97,459 in 2016 to 78,074 in 2017, a decrease of 19.9%. This change is important because smaller sample sizes decrease the precision of estimate and hamper the ability to make state-level estimates, to make estimates for small or minority populations, and to statistically detect changes over time.
For more information about the early 2017 NHIS health insurance coverage estimates, read the National Center for Health Statistics brief.
Citation
Cohen, RA, Zammitti, EP, & Martinez, ME. May 22, 2018. “Health Insurance Coverage: Early Release Estimates from the National Health Interview Survey, 2017.” National Center for Health Statistics: National Health Interview Survey Early Release Program. Available at https://www.cdc.gov/nchs/data/nhis/earlyrelease/insur201805.pdf